Seacoast Banking of Florida (SBCF) investor relations material

Executive summary

• Achieved net income of $144.9M in 2025, up 20% from 2024, with adjusted net income of $169.5M, up 28%.

• Completed two major acquisitions, expanding market presence and driving 37% asset growth to $20.8B.

• Delivered 9% organic loan growth, 45% increase in adjusted pre-tax, pre-provision earnings, and improved efficiency ratio to 58%.

• Maintained strong capital (Tier 1 ratio 14.5%), low loan-to-deposit ratio (78%), and increased quarterly dividend by 5%.

• Recognized for workplace excellence and high employee engagement (85%).

Voting matters and shareholder proposals

• Shareholders to vote on: election of five Class III directors, declassification of the board, advisory vote on executive compensation, and ratification of Crowe LLP as auditor.

• Board recommends voting FOR all proposals.

• Proposal to declassify the board phases in annual elections by 2028.

Board of directors and corporate governance

• Board is 79% independent, with 10 independent directors and a mix of new and experienced members.

• Five standing committees: Audit, Compensation & Governance, Corporate Development, Enterprise Risk Management, and Information Technology.

• Board refreshment ongoing; three new directors added in 2026.

• Lead Independent Director and regular executive sessions ensure independent oversight.

• Directors must own stock equal to five times their annual cash retainer within five years.